The Sun. — London, England, 1838-06-01 00:00:00

. , .• , • . • . . , ~ • • ' ' 1. s . ...k,..)..3. \ .‘ . N ' . , ~ .•.<:: . . . ' . NATIONAL LOAN FUND LIFE ASSUR - \ -4. , « • . _s- '-_--, .. •, _...,.0 w :. :s- ANCE SOCIETY. , . • • 17:' ' 26, CORNHILL, LONDON, ( !1 - 8 - 1-1,4 ft 1 - ---- ) 1i0 .. 1 ' 'rs -t. . . ... , 36) WEST MORELAND -STREET, DUBLIN ; 45, SOUTH 1 7 • iv ' ,: ., 1 1 : "------- •t.s.-2 - ,4 ....;te- - " - --- ..til . I 1 t- , .i , CASTLE-STREET, LIVERPOOL ; - 1 ~ , , . .• ; ~.,aiiy 0 ;., And as, CORN-STREET, BRISTOL. ';. ! I .. - , ' c c .t.,. Capital, 500,000/. %... 1 ! '. , ....,,, .v. 4 - •• - , tliihst t\t, .)-e •'zl, 1 : : , 1\1:, Of"' PA TR O N.—His Grace the DUKE of SOMERSET, F. R. S. ' t ir. . -.: . ' --- , J , • - -3,5 - 'ttik• - -- '• '''' 'C) ,„ / .•-,. 45.. 4.11 x , . 4 , , DIRECTORS. ----- .. - ' lll / 1 ' llo'7 -.L•V \ • • Al •• 4- ' - .) - c'.igtOtitill)) , .3.',o,‘ co,. Si r T. LAMIE MURRAY, Esq., Chairman. 3 011 ' .. ,..Bur b aes Cam ac, '"- KC.S. George Lungley, Esq. C . iarrel,"°twn' M.D. l'.R. S. Kenneth Mackenzie, F..sq. WITH W HICH THF ." TR Ul4 - ', SU ~_,• Gordonother, Esq., Ala. John Rawson, Esq. ir. ti F Robert ' ""I' Joseph Thompson, Esq. -...--... ______________-- —: it Holland, Esq., 'ALP. LONDON., FRIDAY EV PaßYstc, r A x_...4. Elliotson, M.D., F. R. S., 37, Conduit. street. No. 14 266. 1 . GEox—E. S. Symes, Esq., 38, Hill-street, Berkeley-square. • -- - • • • , _____ __________ - - ir, Am:ARV—W. S. B. Woolhouse, Esq., F.R.A.S. which has been at all times irksome, disturbing the harmony and of an annuity of 20 /. 13s. 4d., cash down 2021 Is. ; or a p o. 1 of B y the new pr i nciples of Life Assurance in this Society, amongst f omen ti ng t h e mu tual distrusts of soc i e ty. ' li cy on hi s lif e for 2591. 19s. I ' l l r advantages the assured in this S oc i e t y will enjoy the follow- The following is a comparison of the benefits to be derived from 11. PREMIUMS. I the contribution of Is. per week paid into a Benefit Society, or to Annuity, :£ 10 0 0 .1 Moderate Rates of Premium consistent with security. purchase a Deferred Annuity from the National Loan FundC.:s . h, ....... 97 15 , 0 of , e A Cash Credit on his Assurance to the extent of two-thirds Society: —I 25 15 6 , 3 '7 ipayments on his Policy or Deferred Annuity. 1 1 To A s g e e nu o r f e. t o w n , theattaionpitnigoitihoef Policy, wy, _______-- Age .21. !Annuity Cash. ,Voliey i Sickness.! Loan. De,th. Payable Payable wo-thirds of the payments on elapsed Policies returnable at I death. i i —,—. --..„ ... in One Sum. fur Disparity. X. s. X. S. 'X.S. 1 AGE. I Payable Annually. i• ~.d Tw.-thirds of the .lAire Profits and of the G.uwantee Fund NationalLoanF . und ' 1 - --...--,....—. ________ 1 (4 1 ea annually. Deterred Amnia les , ' X s. d. ...C. s. d. . - t: s. d. 1 17 16 t.DI 11466 0 %of the 1% of the '3:i of the ilia , B neeial Bonus 2/ on each Polit y becoming a claim in has ur cf 0 18 11 17 3 7 0 0 0 Option'of Benefits,, ' paymentstpayments pi3trielits 20 "e Widow of the assured. at 65 !i received. 21 I 0 0 18 0 2 019 9 6 ,.. Females assured at one ar less tha-i their actual ages. Benefit SoL ietiesll 26 0 Nil. Nil. allow. Nit. Nn. 22 I I 2 18 17 8 2 0 7 ' Fac ility in effe c ti n g assurances. ditto ! 1 o 5 19 16 1 . 3 2 :3 or an p 4 rospectuses'of this So ci ety may be had At the (Mites, ances in 23 any of the agents. sickness. J 3 9 20 15 6 4 5 2 24 National Loan Fund F. FERGUSON CAMROUX, Sec. 2 7 1 1 269 111346 15, %of the %of the %of the 25 1 s 2 21 15 10 5 9 1• - Option o: - Benefits, i ! ! e payments payments paymen ts reie% e 26 1 6 9 22 17 3 - 6 14 3 _ _ DEFERRED - ANNUITIES. at 60 NA.TIONALLOAN FUND LIFE ASSUR- It is not alone to the industrious classes this plan of Deferred 28 110 2 25 3 7 98 5 r ANCE SOCIETY. Annuities will be found efficient, in securing an ample competency 29 i 112 1 26 8 7 10 17 7 u for old age ; but also to that important class of the community who 30 1 14 2 27 15 0 12 8 3 si Capital, 500,000/. P AT derive their income from a combination of capital and personal 31 1 16 5 29 210 14 0 6 R ON.—TIiS Grace the DUKE of SOMF.B.S2T, F.R.S. labour. To this class, the Savings' Banks do not afford a suffi- 32 I 18 10 30 12 2 15 14 5 DIRECTORS. ciently profitable investment ; and, i n d e ed , t h e f ramework of such 2 1 6 32 3 0 17 10 1 33 T. LAMIE MITMfAY, Esq., Chairman. institutions as have hie:: designed for the more humble classes, has 9 4 4 33 15 7 19 7 8 34 j e _ c i s,l. Sir Burger Camae, K.C.S. Georgo Lungley, Esq. not been made to suit their wants or consult their interests, and 2 7 5 35 9- 11 21 7 2 •• 35 ~.;. " li_ Elliotson, tl. I). F. R. S. Kenneth Mackenzie, Esq • there exists no institution, at present, to which they can resort, 36 2 10 10 37 6 0 23 8 9 I. F arebrother, Esq., Md. John Rawson Esq. that would at the same time foster their industry,—secure to them 37 2 14 6 39 4 0 25 12 5 . ,!, Gordon, Esq. Joseph Thompson, Fsq. a competency in old age,—and ptotect them against the s-ar,ed Ito Gordon Hollow', Esq., M• l2 - casualties of life. 38 2 18 7 ' 41 4 0 27 18 4 A t7DlTOTa.—Prote . ::: or Wheatstone, F.R. S. The Tables of Deferred Annuities have been constructed with 39 3 3 0 43 6 1 30 6 9 :, PuyEic,As_.r. Elliotscrn, M,D . F.R. S., 37 Conduit-street. a vieW to exhibit the benefits that , may be secured by the smallest 40 3 7 11 45 10 82 17 5 effort of frugality, and to snit the orcurnstanees and convenience of 41 3 13 5 47 16 ~. 3 , i 10 10 " .-• ft ritni.oN - -E. S. Sy , :ies, Ere., 38, Hill-street, Berkeley-square. a ll' classes. 4 9 .3 19 7 . 50 a 3 ' 3...3 6 9 "--- ' • '' - ' , .. . tA A.S. B. \ Gell - mue, Lsq., F. R. A. S., , 26. Cornhill. • Th e object- of - -14147.'5 , .:•.•. :i, - i'“ 61 - . Ow t4aii;:,;. in of , betlittl :.: 43 • ''- "4 2 6 ' 4 - 3 " - Sfr 16 4 '4l 5 6 N '""s. - --Messrs. Wriglit and Co., T, livurit.:'....-street, Co- the payment of Is. per i1..-..,`,.-, or 2/. 12s. per annum, will secure at 44 414 1 ' 55 9 11 44 1 3 period of attaining thi. :.,ge of 50, 55, 60, or 65. vent-garden. - 1 the 45 ' 5 2 9 .58 6 2 , 47 12 0 Sr Axin,..,,-, r... The Tables No. 11. show the Annual Premiums required to se -_- _ _.._ ..-. . • •... __ ,z 4t / „ 7. - ••• • //-1t9(4? -211.- I& • • ' • .; • . • - 14 ) ! n . .. k.k. „. x . „, • , 1 . 1 11 ; • 1 1 ' •itik " •f , *; .k /5,-, 1 7 $: 0 • 4.- 2 '-, •t* , ' e 'C) .41t, , k'' "O' .0 g0 41 5114 J . )I, ol >--7,-ill -1 01 T -Lt- - A 7, D TO THE COUSINS OF MR. GEORGE CLUBLEY, DECEASED. WHEREAS, GEORGE CLUBLEY, ;at. SCARBOROUGH, in the County of York, Gentleman, who died on the 4th day November, 1837, did,-by a Codicil to his Will, bearing. date the 13th day of April, 1835, give and bequeath the residue of his personal estate, and the monies to be produced by sale of certain parts of his real estate unto and equally amongst all such of his Cousins, both on his Father's and Mother's side, as might be living at the time of 4iis decease, and unto and amongst all and every the child or children, living at his decease, of such of his said Cousins as might have theretofore died or might (lie in his lifetime, leaving a child or children, him, her, or them surviving. The said George Clubley was born on or about the 20th day sof September, 1759, at Ebberston, near Scarbro', where his father, George Clubley, then resided, but who is supposed to be a native of Holderness, in the said county, and to have married in or about the year 1756. Notice is hereby given, That all persons claiming to be Cousins or Deseendants from Cousins of the said George Clubley, as afore said, are required to transmit to us forthwith, free of postage, the particulars of their claims, duly authenticated, by Certificates, from parish Registers, otherwise they will be excluded from all benefit to arise from the said Bequest. By order of the Trustees and Executors,, lIESP and UPFLEBY, Solicitors. May 22d, 18:38. SUN" IS NOW I NCOR PORATED. EN G, JUNE 1. IKS PIS erb sd. ROYAL ACADEMY, TRAFALGAR-SQUARE. THE EXHIBITION of the ROYAL ACA DENY IS NOW OPEN. Mmission (from Eight o'Clock till Seven) One Shilling. Catalogue Onz Shilling. HENRY HOWARD, ILA., Sec. NIANCHESTER AND BIRMINGHAM RAILWAY. CONTRACTS FOR-WORKS. THE THIRTY-FOURTH ANNUAL EX of the SOCIETY of PAINTERS in WATER-COLOURS, at their Gallery, Pall-Mall East, IS NOW OPEN. • Open each day, from Nine till dusk. Admittance One Shilling. Catalogue Sixpence. 11. HILLS, Secretary. PUBLICATIONS RAILWAY TRAVELLING. Just published, price Is. THE IRON ROAD BOOK, or RAILWAY COMPANION from LONDON to BIRMINGAM, con taining, an Account of the Towns, Villages, Gentlemen's Seats, and every object worthy of notice on either side of the Lines, Times of Departure and Arrival of the different Trains; with Lists of Coaches from the several Stations and Towns in the Vicinity. Iliustrated with Maps of the Entire Line. By F. COGHLAN, Esq. London, A. 11. Gaily and Co., S 3, Cornhill. ROYAL HOTEL, MANCHESTER. MR. JAMES ALLEN having taken and en tered upon the above Hotel, is now refitting the same, and begs leave to announce that every effort shall be made by him to ret,6l the patronage hitherto be:;towed on this extensive establish ment, the continuance of which patronage, he now respectfully solid its. Ma'ochester, 19th May, 1838. It is not alone to the industrious classes this plan of Deferred Annuities will be found efficient, in securing an ample competency for old age ; but also to that important class of the community who derive their income from a combination of capital and personal labour. To this class, the Savings' Banks do not afford a suffi ciently profitable investment ; and, indeed, the framework of such institutions as have hoen designed for the more humble classes, has not been made to suit their wants or consult their interests, and there exists no institution, at present, to which they can resort, that would at the same time foster their industry,—secure to them a competency in old age,—and ptotect them against the var;ed casualties of life. The Tables of Deferred Annuities have been constructed .with a vieW to exhibit the benefits that may be secured by the smallest effort of frugality, and to snit the circumstances and convenience of all classes. The object- qr. : . i h %V ef - betults - the payment of Is. per R or 2/. 123. per annum, will secure at the period of attaining the :,ge of 50, 55, 60, or 65. The Tables No. 11. show the Annual Premiums required to se cure the option of given benefits at these ages,—the sum required at each age to be paid clown at once to purchase them.—and also the suns at any age to be paid as disparity, so as to enable the purchaser instead of paying the premium at his own age, to pay that set down for the age of 20, arid by this means enabling the owner of a little saving to turn it to the best account. The Society will, more over, receive all this sum by instalments, two-thirds of the amount paid may, at any time, be withdrawn on delligit of the policy, and in the event of death before the stipulated,aM two-thirds of the payment will be returned to the -family. I. BENEFITS . Secured on attaining the age of 65, by an 2L Ns. Threepenny covered pamphlet. THE COMMENTATOR, No. IX.- 1. TO LORD BROUGHAM, ON THE NEW BRI TL3H SLAI E TRADE, by THOMAS CLARKSON. This is the interesting and important document. announced a. forthcoming by his Lordship at Exeter Hall.-11. A Letter from Lord Brougham to Benjamin Smith, Esq , M.P., Norwich; : containing a defence of his Lordship's condo 4 in the Slave. Question.—lll. Mr. Smith's letter, to which the foregoing is a lefty. Reviews of new books, with copious extracts, and the usual miscellanea of the week. Published every Saturday, price 3d., by Sherwood and Co., Pa ternoster-row ; and Oilier, W elbeck-street. STEAM bet:leen BRISTOL and NEW YORK. — I HE GREAT WESTERN, Of 450 Horse Power. Captain JAMES HOSKEN, R.N., Is appointed to start as follows : g_ PP.031 BRISTOL. rum.r NEW vor.K. ' - 2d June.• 28th June. .. ' 21st July. liith August. . . V, . Bth September. 4th October. 'f'. ' . 27th October. .22d Novornber. o New York, wi!li Saloon, State ROOms; 40 Guineas. Urn,l.er the sanction of, and I)edieated by Comm and to her :11aj..st; QueenVictoria:- Just publi,hed, price 1/. ss. boards, L'ST. rote or uovver,Nta.te t;oams,isol r omea-s. Children and Servants, Half Price. No Second Class or Steerage Passengers taken. For information, and to secure State Rooms, apply, post paid, to Clii•istopher Claxton. Managing Director, l3ristol ; Great Western ILlway Office, London ; Messrs. Gibbs, Bright, and Co., Liver pool; Messrs. Hamiltons and Co., Glasgow; Messrs. Fox and Co., Falmouth ' • R. Hall, Esq., Cork ; J. Harris, Guernsey and Jerse3 ; C. E. Delaval, Esq., Hamburgh ; W. Davidson, Esq., Havre-; Messrs. Audelle, 5, Rue Ilauteville, Paris. EXAMPLE.—A person aged 26 may secure, on attaining the age of 60, an Annuity of 101., with the other options, by the annual payment of 11. 6s. 9d., or a single payment of 221. 17s. 3d. ; or on payment of 61. 14s. 3d. for disparity, he will be entitled to the same benefits by an annual payment of 18s. 11d., the same as for age 20. I S 'EtN'q COMNIENTNRIES 31 ll t . lie \V C I ON ' TI E ITITTI'ON ' and - LAWS ' of 4 ENG incorporated With the Polili.tal Text of J. L. Ale Loh - Ate, Alvocate ; practically written'laiAd 'lntended, as a supple Blackstone's CommentarieSi._with,at t Appendix, containing al 'the:: new laws relating to real property and testamentary dispoitions' L. Houghton, 30, Poultry ; H. 1 3utterworth, 7. Fieet-stree I. BENEFITS Secured, on attaining the age of 55, by au Annual Premium of 2/. 12s. OND O N and MEDITERRANEAN 1.4 STEAM NAVIGATION COMPANY. C B . Capital 300,0001. inual Premium of DEFERRED - ANNUITIES. NA.TIONAL LOAN FUND LIFE ASSUR ANCE SOCIETY. Capital, 500,0001. I' Capital, Grace the DUKE of SOMERSET, F. R.S. nunECTORS. T. LAAHE'MITIVIAY, Esq., Chairman. eohq ecsl Burges Comae, K.C.S. Ge o rge Lung ley, Esq. Elliotson, M. I). F. R. S. Kenneth Mackenzie, Esq. • Gordon, E.(I" A'd Es • Johnawson Esq. Joseph Thompson, Fsq. Robert Hollow!, Esq., MI). A uDlTOlt.—Prole.::: or Wheatstone, F.R. S. Pit vstet A Elliotscm, M, I).. F. R. S. , 37 Conduit-street. I littnt:oN--F:. S. Sy - nes, Esq., 38, Hill-street, Berkeley-square. S. B. V'orlhouse, Esq., F. R. 3.5., , 26. Wriglit anti Co., 5, Houritt-street, Co ‘N vent-garden. Milbourne James ; Esq., Stone-build- Sot [ ings, Lincoln's Inn. etrolts. Wess.-rs. Webber and Bland, 43, Bedford-row. uetcy,rAicv.—.F. Ferguson Camroux, Esq. DEFERRED ANNUITIES: -• • AMong,st- the several remedies proposed to mitigate or dimi -I,kti'then of poor-laws, - none has hitherto been brought: : 7 , 4 ll orkil4Vted that would either induce or afford facilities t. , Att 41 44,10 members of society, to be responsible for their own h' rt , 4l ;Cale, of employment and health every one may as tl sl uned bartiteof self-support; competition has, no doubt, ro , , 4 e 0 (1 the r e war d s o f l a b our t o - the standard of existence, refl.. ci ' r ing it the snore necesthai . % the smallest surplus, over exi fon ' slmuld be careful.husbanded, in order that, by the best, Rilities given to econoniy*: iectipts of means to ends,„ '4l ) be rendered capaLle:nriCip g , the' - dlciencies,caused b • 0 Wa n , , -- . employmPut, s:cknet, the several casualties of life, and by a ge.. Over the frequent fluctuations in the quantity of em (eiZ,, ) tueen,ti; fixed on laws, the employed have it no e 4 frequentlyontroul;a m n ( d, as htheeocnatn n u i se ge is eie no ,i, I kdi &fleet th e quant i ty o f money, t h e i r d urat i on or oec ni r eni;' , ' et "CA , be s u b m i tte d to calculation—at any rate the remedy is. Y°ll their reach. The laws of sickness have been sufficient: - cel tlined, for fixing a provision apportioned to the 4trib ution ; but although such a provision is not to b is of trifli ng importance compared to the hardships resulting fret want of employment, and unprovided old age. Want of employ tn v e Lt, sickness, and old age, may fairly be elas.sed under one head z. —a state of non-productiveness. To those, therefore, whf!, " I Y depend on their labour, which is seldom too highly remune t , a'4 ' it must b e a ma tt er o f i mpor t ance , ou t of their earnin! fr "" 1 1 employed, t o prov id e f or every per i o d o f non -productiveness, : NI whichever of the foregoing-causes it may arise. i ll. The two institutions opetio the productive classes, are Sa oohs Banks and Benefit Societies, whose nature and scope, wne ~x 4r oined, will be found to offer but a very imperfect remedy against uto evil, being institutions wherein the limited moans of lass ar net b2stmade applicable to their several ends. 1 a•Sings Banks are o unquestionable utility, hut th rd epntingent future advantage, and, besides, the suns that can hal - _,°arded i s i ncommensurate with the wants of the middle pro d uuctive s. d. 47 16 6 45 4 8 42 15 3 40 8 2 31 3 4 36 0 8 i 11 2 4 4 28 9 2 26 15 10 25 4 0 23 13 9 22 5 0 20 17 7 19. 11 7 18 6 11 17 3 5 16 1 1 14 19 11 13 19 9 13 0 7 12 2 6 11 5 3 10 8 10 9 13 3 8 IS 6 8 4 6 7 11 1 6 18 6 6 6 6 s. d. 394 11 0 373 3 0 352 16 0 333 7 0 314 17 0 207 5 0 280 9 0 264 10 0 249 5 0 V. 34 1 6 0 221 0 0 207 18 0 195 8 0 183 11 0 172 5 0 161 10 0 151 7 0 141 13 0 132 9 0 123 14 0 115 8 0 107 10 0 100 0 0 92 18 0 86 2 0 79 14 0 73 12 0 67 16 0 62 7 0 57 2 0 52 3 0 A GR. e Annually. Payable Payable in One Sum. 1 for Disparity. Policy. AGE. Class of Per;ons. Period. Vighland societies' return -.ast lndil Company's labourers 20 to 63 . ' attory Commissioners— Cotton 2l to 61 Wool, Yorkshire 21 to 61 Ditto West of England 21 to 61 Flax, Yorkshire '2l to fl Silk moiety for Diffitsion of Useful Xnowledge 21 to 65 -.....______ 1- nos ; it appears that the highest expectation of sickness, amongst males, is twelve and a half clays, and the lowest six days, in each 3'iestr from the age of twenty to sixty-five; its mean duration, in ; U ' i Ve of a cc id ents o f a ll ki n d s , wou ld b e n i ne an d a quarter days, 4i ng Which, from these causes, an individual may expect to be ab fi'aeted from productive employment throughout a period of forty ty Years: while, it may be observed, his religious observation of hie s eventh day, in which ho " shall do no work," has diminished "4 p r oductiveness, by its recurrence in the same period, six years 4 d 156 d ays. sic V * From the foregoing facts it must be obvious that provision in ti k ness, or a H ea lth A ssurance by mea ns of a separate contribu ti n• is unn ecessary, more part i cu l ar l y as suc h separate eontribu nn must t en d to waste t h e resources out o f w hi c h t h e i n d ustr i ous , classes hav e to prov id e f or t h e f uture. I t a l so i n e ff ect throws t h e urth er , of the permanently sick on one class exclusively, instead of s u °el! tY at large • who are thus called on for an act of benevolence, ; 4 / a ni !! they are Luce able to do justice to the claims of their own "ies• Besides this, no compensation is given out of the contri bution for a prov i s i on i n s i c k ness an d o ld age to t h e f am ili es o f thos e who never reach the age of 65, though death should happen ItZireediatelv preceding it ; and, if an assumed hypothesis is correct, c at sickness before death is not more than five weeks, and taking oo t T l Ying-pay at 10s. per week, it will not unfrequently happen y return a man ma y o bt a i n as a l ong an d steady contributor to a v „ att efit Soci e ty, w ill no t exc ee d 505., a sum scarcely equal to one W, al.. s paym en t a t ag per week, while by his death he leaves 's family entirely unprovifed for. VI. It is to remedy these defects, inherent in the constitution of e - iefit Societies, that the National Loan Fund Life Assurance in ° e 'oy proposes to submit a plan of Deferred Annuities on a new , ne iPlie, which will not only afford a more ample provision for old t 4 1',, , and protection against sickness and misfortune—but in addi j„„"r',, the means, at all times, of putting his energies in motion, and tn ,e event of premature death, a better protection to his family. , ne plan proposed will embody several essential objects : '• To secure an increased provision for old age out of a given saving, by applying it exclusively to the purchase of a De g• To r ferred Annuity. ender the purchase of a protection in sickness unneces sary, by enabling the purchaser of a Deferred Annuity to withdraw or borrow two-thirds of his previous payments. By the use of two-thirds of all his payments when required, • to limit misfortune and want of employment, and extend the power of productiveness by an increasing command, in each year, of capital, so that, while providing for old age, each succesive contribution renders him more secure against present misfortune. • To afford, at the age at which the Deferred Annuity would commence, without reference to his then state of health, the •Iltion of receiving, instead of his Annuity, its value in money, according to the value fixed on the contract, or a t larger su m p aya bl e a t hi s d ea th. . " In the event of death before the age at which he would - • be entitled to his Deferred Annuity, to return two-thirds of `kis payments to his family [or such fixed Life Assurance as may be settled on the contract]. In all such cases where the power of productiveness fails, either from disease er accident, to enable the assured on equal terms to convert. his Deferred Annuity into a present Annuity. th is • Nothwithstanding the obvious and manifold advantages of and ?lan over every other hitherto proposed, for securing present Ntrikitlture competence to the industrious population, still more 005i ng advantages will be exhibited by contrasting its prospective arises s '° l l for old age with that offered by Benefit Societies. This Atfrom the non-abstraction of a given sum for a separate leene -pa,4,7, sickness, which protection, by the operation of the Loan , iii _"„tt on the Deferred Annuity, is not only more ample, but other rats_t°vtunes are provided against, which a calculated, and a sepa aieinc_e,ontribution made for each, whose duration equals that of Providing the purchase of them would entirely absorb the means of rod for old age, while such a system must tend to discourage ,_ernactiveness, ana afford no protection to a family in the event of ri r ti attire death. The object this plan embraces is to open faci ,),,,e840 the efforts of self-support, to stimulate the independence of t.tteLtsals above the forced benevolence of another, while it recom . itsetf to the latter by diminishing the burthen of Poor-laws, Annuity. Cash. £ s. d. 466 0 0 440 14 0 416 13 0 393 15 0 371 18 0 351 2 0 331 5 0 312 7 0 294 8 a 277 6 0 261 0 0 245 11 0 230 16 0 216 15 0 203 9 0 90 16 0 7S 15 0 '167 6 0 56 8 0 146 2 0 136 6 0 )26 19 0 18 2 0 09 14 0 01 14 0 94 3 0 86 19 0 80 2 0 73 12 0 67 9 0 61 12 0 I. BENEFITS Secured, on attaining tl►e Acre of 60, by an Annual Premium Act?. Annuity. s. d. 20 I 27 11 4 21 2G 1 1 22 i 24 12 2 23 23 4 8 24 21 18 5 25 20 13 4 26 19 9 6 27 18 6 9 28 I 17 5 1 29 16 4 5 30 15 4 9 of 12.1. 14 6 0 32 i 13 8 2 3:3 , 12 11 2 34 11 15 0 Cash. X. s. d. 269 11 0 254 15 0 240 12 0 227 3 0 214 6 0 202 1 0 190 8 0 179 6 0 168 14 0 158 12 0 148 19 0 139 16 0 1 31 2 0 122 16 0 114 17 0 107 7 0 100 4 0 9 3 7 0 86 18 0 80 14 0 74 17 0 69 5 0 63 19 0 58 18 0 54 1 0 49 10 0 Policy. X. s. d. 346 15 0 327 14 0 309 11 0 292 5 0 275 14 0 259 19 0 244 19 0 230 13 0 217 1 0 204 1 0 191 13 0 179 17 0 168 13 0 157 19 0 147 16 0 138 2 0 128 18 0 120 2 0 111 16 0 103 17 0 96 6 0 89 2 0 82 5 0 75 15 0 69 11 0 63 14 0 49 6 16 0 al ..,. u 1 u, o u lrovision in sickness and old 50 6 6 6 52 3 0 1 61 12 0 -I - X. s. d. X. s. d. : .±.!. s. d. ml impurfeet, And their plan The. basis on which this table is calculated is the pay- 20 1 11 0 27 5 11 0 0 0 leans of economy. ment of Is. per week, or 2/. 12s. per annum ; buss any 21 1 12 10 28 12 0 1 12 6 a calamity of equal probable payment may be made, and the benefits secured in proportion 22 1 14 10 29 19 5 3 6 5 i the quantity of employment thereto. i 23 1 16 11 31 8 3 5 2 0 tune, against which they offer EXAMPLE. -A person, aged 23, by the payment of is per week, 24 i 119 3 j 32 18 6 619 4 the sum laid aside for sickness or 21. 12s. per annum, will secure, on attaining the age of 65, 25 21 9 , 34 10 3 ' 818 4 ' old are, the option of an annuity of 401. B,s, 2d., cash down 3331. 75., 26 24 5 36 3 7 JO 19 5 , , to the sick fond who never or a policy on iiis life ter '393/. Os. ' T7 2 7 3 37'.J8 9 13 2 6 I the value of such contriba- By one-half the payment, that is 61 per week, or 1/. 6s. 28 210 5 39 15 7 15 7 7 nmilies. per annum, he will secure the option of half the benefits. 29 213 10 • 41 14 5 17 15 I of oc,n-pro(hictiv,nes3, insist By five times the payment, he will be entitled to the option of 30 217 7 • 43 1f5., 3 20 410 wotection against such an ue- five times the benefits ; and the same may be extended to any 31 3I 7 I 45 18 2 22 17 1 other proportion. • :32 3 6 0 48 3 4 f 25 12 0 II roads on the duration of 33 . 3 10 10 50 10 10 28 9 8 All premiums to terminate with the period. ?s, from an early period of ine Two-thirds of the payments may at any time be withdrawn 34 316 2 53 0 9 I 31 10 3 e-the sickness amongst the on deposit of the policy; 35 4 2 1 55 13 3 34 13 10 and should the party not sui vire , the Highland Society;-the two-thirds of his payraents will be returned to his represents- 36 4 8 7 58 8 4 38 0 7 i East India Company's Ser- tives. 37 415 11 61 6 3 41 10 9 employed in Cotton, Silk, 11. PREMIUMS. 38 5 4 0 .64 7 0 45 4 4 :he Factory Commissioners ; To secure, on attaining the Annuity, £lO 0 0 39 513 1 67 10 8 49 1 6 h Benefit Societies, from re- Ago of 65, the optionof Ca5h...... 82 10 0 40 63 5 70 17 5 1 53 `, 6 ision of Useful Knowledge. Policy.... 97 8 6 ExANIPLE.-A person aged 25 may secure, on attaining the age of 55, an annuity of 101., with the other options, by the how inconsitterame is toe AGE. Payable Annually. in One Sum. for Payable Payable a nnual payment of V. Is. 9d., or a single paym ent o f lof life, between the ages of Disparity. 341. 103.3 d. ;or on payment Si. 18s. 4d. for disparity ,he will e immediately thrown on his - - be entitled to the same benefits by an annual payment of X. S. d. - X. s. d. X. s. d. 11. 1 ls., the same as for age 20. 20 0 10 11 10 0 10 0 0 0 I. BENEFITS Avc rage Average yearly 21 011 7 amount of Sickness in the 10 10 8 (1 11 5 Secured, on attaining the age of 50 , by an annual premium of Sickness. period. 22 0 12 2 11 1 1 1 3 5 £2. 12s. ---- 23 0 12 11 ,Months. Days. Days. 24 43 0 1 13 4 8 6 ..11 12 0 116 0 16 4 11 12 3 7 2 9 3 A GE next : 9 0 6 1-15 2 5 0 15 4 12 13 15 8 6 8 33 1 Cash. Policy. 7 27 263 17 8----..... £ s• d. ' £ S. d. 10 29 1 1 27 016 3 14 2 0 413 0 ' s. d. _Birth-__Day.bALluity. • I 8 13 eli 28 017 3 14 16 2 59 1 20 10 12 6 136 12 0 i 214 15 0 9 1 I 29 018 4 15 11 21 919 11 128 9 0 201 19 0 11 4 j 3 6 6 1 30 019 6 16 7 1 73 11 22 9 710 120 14 0 189 15 0 18 21 1216 31 10 8 17 311 82 9 23 I 816 3 113 6 0 178 1 0 pectation of sickness, amongst 32 12 0 18 1 7 92 7 24 85 2 106 4 0 166 1 9 0 33 13 5 19 0 3 25 714 8 99 8 0 156 6 0 he lowest six days, in each 10 3 4 34 15 0 : 20 0 0 26 7 4 8 92 19 0 146 3 0 five; its mean duration, in- 11 5 4 35 16 7 21 011 12 8 8 27 615 0 86 16 0 136 9el Ibe nine and a quarter days, 80 18 0 127 4 0 36 1 8 5 22 211 13 13 0 28 6 511 ilividual may expect to be ab- 37 110 4 23 6 2 14 18 10 29 517 2 75 6 0 118 7 0 throughout a period of forty- 38 112 5 24 10 9 16 6 0 30 5 810 69 19 0 109 19 0 f, his religious observation of 99 114 9 25 16 7 17 14 8 31 5 010 64 16 0 101 18 0 lo no work," has diminished 40 117 3 27 311 19 410 32 413 3 59 19 0 94 5 0 in the same period, six years 41 20 0 28 12 8 20 16 8 33 4 6 0 b 5 6 0 S6' 18 0 42 23 0 30 211 22 10 1 34 319 1 50 17 0 79 19 0 tbe obvious that provision in 43 26 3 31 14 10 24 5 4 _35 312 6 0 73 6 0 _ 44 2 9 10 33 8 5 26 2 6 _ 7 eans of a separate contribu- EXAMPLE. y as such separate contribu- 46 12 ..--A person, aged 23, by the payment of 2/. 12s 1 45 213 10 33 311 28 1 8 per annum, will secure , on attaining t he a g e of 50, the option out of which the industrious 46 2 18 4 37 1 3 30 2 11 of an Annuity of Si. 16 s. 3 d. , cash down , 1131. 6s. ; or a Po- It also in effect throws the 47 3 3 3 39 0 8 32 6 6 liey on his Life for 1781 . 15 s. -_--- 48 3 811 1 41 2 2 34 12 3 11. PREMIUMS. Le class exclusively, instead of 49 3 15 2 43 6 0 37 0 7 Annuity, £lO 0 0 in for an act of benevolence, 50 42 3 -15 12 2 , 39 11 7 To secure, on attaining the Age of 50, the option of Ca s h ... 128 11 0 eto the claims of their own Policy ... 202 1 6 on is given out of the eontri- The basis on which these tables , No. 11., are calculated, is d old age to the families of the purchase of a deferred annuity of 10/. ; but any amount Age next ' r Payable Payab e though death should happen of annuit y ma y be similarl y p urchased by making the pay- Birth-Day. Payable Annually, in One Sum. For Disparity. -- --- than -- issume five weeks, and taking d hypothesis is correct, risents in proportion. EXAMFI.E.-A person, aged 30, may secure, on attaining the , X. s . d. £. s. d. .-E. s. d. age of 65, the option of an annuity of 10/ , cash down 82/. los., 20 : 2 9 0 41 1 0 0 0 0 not unfrequently happen to s s te b or a policy on his life for 971 8s tid., by .r . the annual payment of 21 ' 212 1 42 19 10 211 4 Lg and steady contributor 22 2 15 5 45 0 6 5 4 11 a sum scarcely equal to one 19s. 6d., or a single . payment of 161 rs. Id. ; or by payment by his death he leaves of iI. 3s. 11d., for disparity of age, he will be entitled to the while 23 2 19 1 , 47 3 3 8 1 2 same benefits by the same annual payment as for the age o f 24 3 3 0: 49 8 0i 11 0 1 nherent in the constitution of 20, viz., 10s. 11d. p er annum. 25 3 7 3 51 15 0 14 1 9 ;so 54 4 3 17 6 5 Loan Fund Life Assurance An annui t y of 501 . , or fire times the other benefits, may 26 31111 ! Deferred Annuities on a new be secured by five times the payment ; and, in like manner, 27 , 317 1156 16 1 20 14 3 more ample provision for old any other annuity and corresponding benefits may be pur- 28 , 4 2 8 1 59 10 4 24 5 4 anti misfortune-but in addi- chased by making the payment accordingly. 29 4 810 62 7 5 27 19 10 g his energies in motion, and All premiums to terminate with the period. 30 415 7 65 7 4 31 13 0 tter protection to his family. 31 5 3 2 68 10 3 36 0 0 Two-thirds of the amount paid may at any time be with m.al essential objects:- 32 5 11 6 71 16 4 40 6 0 drawn on deposit of the policy; and should the party not a for old age out of a given . survive, two thirds of his payments will be returned to his 33 6 011 75 5 8 44 16 3 vely to the purchase of a De representatives. 34 611 6 78 18 5 49 10 10 . . . 35 7 3 5 I 82 14 8 / 54 10 0 . . EXAMPLE.—A person, aged 24, may secure, on attaining the age of 50, an Annuity of 101., with the other options, by the annual payment of 31. 3s. or a single payment of 491. Bs. ; or on payment of 111. Os. id. for disparity , he will be entitled to the same benefits, by an annual payment of 21. 95., the same as for age 20. F. FERGUSON CAMROUX, Sec NO. In, LUDGATE—HILL, OPPOSITE THE BELLE SA UVAGE. TEETH.— MPO RTANT TO THE PUBLIC. ONS. JAMES M. MALLAN, Surgeon Dentist, No. 10, Ludgate-hill, opposite the Belle Sauvage, most respectfully acquaints his Friends and the Public, that in Conse. queue° of his IMPROVEMENTS in the MECHANIC AL IMPAII T MENT of DENTISTRY, he is enabled to REDUCE his CHARGE t° the following Scale : A Single Artificial Tooth xri 10 0 5 A Set 5 0 A Set of Natural Teeth, on fine gold plate l5 0 0 A Set of Mons. Mallan's Inccr rodible teeth, highly finished 0 with the gold sockets Filling a decayed Tooth with Mineral Succedaneum All teeth supplied by Mons. 61. a re fi xed without any w i res or ligatures, extracting the stumps, or causing any incumbrance, and guaranteed to answer every purpose of MASTICATION and ARTICULATION. 1:1e continues to fill decayed teeth with hi s MINERAL SUCCEDANEUAL Loose teeth fastened, whether arisin g from the use of calomel ,an y other causes. Scurvy in the Gums effectually' or cured and present ed.-- Attendace from Teti till Six.-- N o . 10 , L udgate hill. POlt SOFTENING THE SKIN AND IMPROVINCi THE CO3l- GODFREY'SPLEXION. EXTRACT of ELDER FLOWERS, stands unrivalled f or it s efficacy; it effectua ll y eradicates Tan, Pimples, Freckle s , R e d ness, and all C utaneo us Imperfec tions; tions ; renders the most sallow C omp l ex i on delicately c l ear , a ud imparts to the Skin a pleasing and healthy a p pearance. I n t h e proc ess of shasity it i 4 invaluable, as it allays the irrit a ti on and smart i ng pa in, and "'id"' the skin smooth and firm. It prot ec t s the skin from the enots of the cold winds and damp atmosphere, and will be found beyond all praise, to use as a family Lotion on all occasions. sold in Bottles, Price 2s. 91., with directions for using it, by A. Wil. loughby and Co. (late R. Godfrey Windus), 61, Ilishopsgate-street Without; and all respectable Medicine Venders. . _ The Directors of the Manchester and Birmingham Railway Com pany will meet at their Offices, No. 23, Bond-street,_ Manchester, on WEDNESDAY the 20th (lay of June next, at Eleven o'clock in the Forenoon precisely, to receive TENDERS for tfiC execution of the following Contracts:— CONTRACT No. 1, or FAIRFIELD-STREET CON TRACT, commences at the north end of the north abutment of ' a Bridge intended to be erected to carry the Railway over Fairfield street, in the town of Manchester, and terminates at the distance of 50 yards south of the centre of Chapel-field Road, in the town ship of Ardwick. This Contract comprises the erection of a Via duct between the above-mentioned points, a distance of 1;155 feet. CONTRACT No. 2, or CHANCERY-LANE CONTRACT, commences at the distance of 50 yards south of the centre Of Cha pel-field-road, in the township of Ardwick, and terminates at the distance of 270 yards south of the centre of the road called Chan cery-lane, in the same township. This contract comprises the erection of a viaduct between the above-mentioned points, a dis tance of 2,136 feet. CONTRACT No. 3, or HYDE-ROAD CONTRACT, coin- • mences at the distance of 270 yards south of the centre of the road sailed Chancery-lane, in the township of Ardwick, and terminates at the south end of the south abutment of a bridge intended to be erected to carry the Railway over the turnpike road from Manches ter to Hyde. . This contract comprises the erection of a viaduct between the above-ment lolled points. a.distance of 1,773 feet. CONTRACT No. 4, or HEATON NORRIS:CONTRACT, commences at the south end of the south abutment of a bridge in tended to he erected to carry the railway over the turnpike-road from Manchester to Hyde. and t,7rminates about 176 yards from the right bank of the River Mersey, and 120 vards on the west side of the Wellington-road, in the township of ficaton NorriS, in the county of Lancaster. This Contra teußrises the whole of the in-4 earth-w bridges, archwAyS, and other. necessary works ; also the Lallseng and laying,of ,the perinane,nt way be tween the above-mentioned points, a thstance - ote6-14 ebiti•Ds.-• It. comprises, also, the ballasting- and laying of the .permanent way on the first, second, and third Contracts, an additional distance of nearly 77 chains. Drafts of the Contracts, with Plans, Drawings, and Specifications, will be ready for inspection on and after Monday, the 28th day of May instant, at the offices of the Company's Engineer, Fairfield street, Manchester; and the quantities of the works contained in the several contracts, will at the same time be furnished by the Engineer. Printed forms of Tender may be had at the same place, and at the Company's Offices in Bond-street, Manchester, at which latter Offices all Tenders must be lodged previously to the hour of meet ing, endorsed " Tender for Works ;" and no Tender, except the printed form furnished by the Company, will be attended to. The party whose Tender is accepted will be required to enter into a bond, with two sureties, for the due performance of the contract, to the extent of 10 per cent. on the gross'amonnt of such contract; and the names and descriptions of the proposed sureties, must be set forth in the Tender. The Directors will not consider themselves bound to accept the lowest. Tender; and they expect the several • parties tendering, or persons duly authorised by them, to be in attendance at the 011iCps in Bond-street, Manchester, at the time of Meeting. ROBERT BARBOUR, Chairman of the Board of Diwtors7p: Manchester and Birmio e'el.if Railway Offices, 23, Bond-street, lianchester, 18th Slay, .;.t • DIRECTORS. &N an Gower, Esq. John Wm,- Lubbock, Esq. Jati4ison Hunter, Esq. JaMes Milligan ' Esq. Thcnikas Kettlewell, Esq. William Scott, Esq. With power to add to their number. Aunyro as—Henry Ewbauk, Esq.—Gregory. S. Waters, Esq. :.:Aar and IIuoKER-Nehemiah Griffiths, Esq. SoLicmas—Messrs. Freshfield and Sons. BAls'i:::RS—Sir IL C. Glynn, Bart., Halifax, Mills and Co. The object of this Company is to establish, by means of a line of steam-vessels, a regular and speedy communication between the ports of Italy, the South of France ; and London. It is intended to provide vessels of suitable power and dimensions, fitted with the best machinery, and with superior accommodation, to start regularly, not less frequently than once every month, from London, and vice versa. The capital of the Company will be 300,0001., divided into 6,000 shares of 50/. each. IVIANCHESTER AND LEEDS RAILW 'a AY CONTRACTS FOR, w,Q RK s. The Directors of the Manchester ankii..*ecl.s Railway company will MEET at their Offic.es,'No. 9, Btos4street, in Manchester, on MONDAY, the 18th day of June, IMF; at Twelve o'Clock at Noon precisely, to RECEIVE TENIARS for the under-men tioned Contracts : Applieatiensi;Shares, or for farther particulars, if by letter, Post paid, are to be mode to N. Griffiths, Sworn broker, 2, White lart-court, Lombard -street, London. THE GENEIt AL SHIP, STEAM VESSEL, AND SMALL CRAFT BUILDING COMPANY. TODMORDEN CONTRACT.—To make and maintain the Railway with all excavations, embankments, tunnels, bridges, cul verts, drains, fences, and gates complete, including the laying and ballasting of the permanent way and sidings, and furnishing the necessary stone blocks, Inatexclusive of the wooden sleepers, rails, chairs, and fasteniPgsvgV also the Gauxholme Viaduct. Com mencing at a point abut five chains to tho north-east of Clough Mill, and terminating at abtwelve chains to the 'north-east of the road from Totimordirto Burnley, being a distance of about one mile and twent ytityp chains, exclusive of the length of the Gauxholme Viadu%tt • MILL WOOD CONTRACT.—To make and maintain the Railway, with all int works in like manner, fram the termination of the;TAdmorden contract to . Castle Clough Mill, being a distance of about sixty-two chains. Drafts of the contracts, with plans and specifications of the works, will be ready for inspection, at the Engineer's office, Palatine buildings, Hunt's Bitnk, Manchester, on,arid after Friday, the Ist day of June, 1839. Printed forms of tender may he had after the above date, at the offices in Manchester, and no others will be attended to. The ten ders must be delivered at the Railway-office, No. 9, Brown-street, in Manchester, at or before ten o'clock in-the forenoon, on Mon day, the 18th June, 1838, under a sealed cover, addressed to the Chairman, and endorsed " Tender for Works ;" and the parties tender,ng, or persons duly authorized . by them, must be in attensi ance at the time of meeting. The patties whose tender is accepted will be required to enter into a bond, with two sureties; felt' the due performance Or the con tracts in a penalty of not less than 10 per cent. upon the gross sum crtracted for; and the names of the proposed sureties are to be ecified in the tender. The Directors will not bind themselves to cept the lowest tender. JAMES WOOD, Chairman. Manchester and Leeds Railway Office, 9, Brown street, Manchester, 3oth April, 1335. ANCHESTER and LEEDS RAILWAY. CONTRACTS FOR WORKS. • The Directors of the Manchester and Leeds Railway Company will MEET at their Offices, No. 9, Brown-street, in Manchester, on MoNDAY the 11th day of Jnne 1838, at Twelve o' c l oc k a t Noon precisely, to RECEIVE TENDERS for the under-men tioned Contracts : DRAKE'S PATENTED IMPROVEMENTS, Established by Letters Patent, pursuant to the Act of Parliament, Ist Victoria, cap. 73, limiting the liability of Shareholders to the amount of their respective Shares. Capital .£200;000—in 10,000 Shares of £2O each. Deposit £2 per Share. PROVISION AI. pritEcToas. Capt. Sir John Ross, C. 8., Joseph Holl, Esq. R. N., F. R. S., &c. Thomas Wood, Esq. Col. Alexander Findlay, .K.ll. Richard Pugh, Esq. ,Eneas M'lntyre, L. L. I)., Edward Bevan, Esq. F. L. S., &c. . James Alder, Esq. With liberty to add to their number. BANKr its—The London Joint Stock Bank. NAVAL. AacirrrEcr—John Goad Drake, Esq. SECRETARY—John H. Anderson, Esq. Sordemit—Charles.Dod, Esq., 21, Craven-street, Strand. TEmroamtv OrFreEs, No. 21, Craven-street, Strand. This Company is established for the purpose of building Ships, Steam Vessels, Colliers, Barges, Keels, and Canal Craft, with every other description of Vessel, more especially by adopting therein the following improvements set forth in the specification of Mr. Drake's Patent. - Comprising -Ist. A new system for the building of every description of yes. , sels, with circular bottoms ; and of Barges, Keels, and River and Casial Craft, with tlat. bottoms. - ne, especially in the cantroi,..,.__ 2d. The Dove-t a iledgreenai . l . Applicable to every description of vessel in which Treenails are used. These are greatly superior to the ordinary parallel cylindrical Treenail now in use, in holding—in not being liable to decay by shrinking—and in facility of removal for the purpose of repairs. 3d. The ll r o od-Screw Fastening. Applicable to the decks, and for the general building of every class of vessel. These are greatly superior in durability, lightness, economy, and o f repairin,r, to the metal fastenings hitherto in use. Ano may be revived with advantage by the introduc tion ein the W d ifeascsiliitroyportant feature _ . oo Screw-fastening is, that diago nal decks (with two thicknesses), discontinued on account of the •of this new fitAening : these decks possessing the advantages lion strength and lightnessof superior This fastening further opens a business of considerable imnort available in house-flooring, :ince. in being metal ar.d as a general architec tural fastening. This c o mpany possesses the exclusive right of building under Mr. Drake's Patent, and of otherwise carrying out the above im provements in England, Wales, and at Berwick-upon-Tweed. Also of granting Licenses for the like purposes to Companies and individuals; a source from which a large income may be realised fastenings, without any risk or outlay. An i m portant and very quick advantage which this Company es arises from the return of the capitalpossessd employe ;as also in the command of that capital, whic h ensures economy in the nurchase and conversion of materials. Th e Shipping- interest of England is so much blended with her prosperity, that any undertaking like the present, tending to in - I- I - wove that interest, cannot fail to afford t o those embarking in it th e most amide remuneration. As regards that part of the Patent which applies to the general building of Ships and other Vessels, it must be seen that capital to almost auy a mount may be employed to great advantage. Even under the present system pursued in building, a Company to the extent proposed would derive a much greater profit than in dividual builders ; therefore, when the advantage s of the Patent ar e also taken int o consideration, it must be admitted that few oro nosils have ever been brought before the public offering pros pects o f greater, if of equal im p oi tanec and safety, to the one i 1 which they are now invited to join. The Directors have entered into arrangements which secure to this Company the exclusive Patent Right, and also the valuablt. , 'trvices of the P atentee a s Naval Architect, u pon terms highly ad vantageous to the Shareholders. Prospectuses (which will be ready for delivery in a few days) and all further information m a y h e h a d in London of Charles Dod, E, q ., Solicitor, at the Temporary Offices ; and at Li verpoo l, o f Joseph Carruthers Nicholson, Esq., to whom applications for Shares are to he made, post paid. GAUXIIOLIIE VIADUCT CONTRACT.—To make and maintain the railway upon arches, with all its works, commencing on the south-west side of the westerly crossing of the Rochdale Canal at Guaxholme, and terminating on the north-east side of the turnpike road from Todmorden to ilaslingden, being a length of about 320 yards. SOWERBY CONTRACT (including the Sowerby Tunnel.) —To make and maintain the Railway, with all the excavations, embankments, tunnels, bridges, culverts, drains, fences, and gates complete, including the laying and ballasting the permanent way and sidings, and furnishing the necessary stone blocks (but exclu sive of wooden sleepers, rails, chairs, and fastenings), commencing in the field numbered 172, Sowerby township, situated between Long Bottom Mill and llolling's Mill, and terminating opposite the Gas Works, in Sowerby Bridge, being a distance of about one mile and a quarter. _ . _ &c. fii Richard Bentley, N€ Orders receive, COPLEt CONTRACT.—To make and maintain the Railway with all its works, in like manner, commencing at a point opposite the Gas Works in Sowerby-bridge, and terminating in North Dean Wood, being a distance of about two miles. COOPER-BRIDGE CONTRACT.—To make and maintain:the Railway, with all its works, in like manner, commencing in Brad ley Wood, at a point about 11 chain from the western boundary, in the township of Huddersfield, and terminating about 17 chains to the east of the road to Batty Mills, in the township of Kirk heaton, being a distance of about two miles and 22 chains. MIRFIELD CONTRACT.—To make and maintain the Rail way, with all its works, in like manner, from the termination of the Cooper-bridge contract, to a point about five chains , to the east of the Calder Iron Works, in the township of Thornhill, being a dis tance of about two miles and seven chains. THORNHILL CONTRACT.—To make and maintain the Railway, with all its works, in like manner, from the termination of the Mirfield contract, to a point about 26 chains on the westerly side of Healey New Mill, in the township of Thornhill, being a distance of about two miles and 4SI chains. Drafts of the con t racts , w i t h p l ans an d spec ifi cat i ons o f t h e wor k s , will be ready for inspection, at the enoineer's office, 1s m Palatine buildings, Hunt's B an k, Manchester,on and after Monday, the 21st day of May, 83. Printedder must forms be delivered tenderver( at l may the b R e a ilßailway had v after office, ffitehee, above date, at the offices in Mancheste r ; an d no o th ers w ill b e at tended to. The 8 ten No. 9, Brown-street in Manchester, at or before ten o'clock in the forenoon, on Monday the 11th June, 1838, under a sealed cover, addressed to the Chairman, and endorsed " Tender for works ;" and the parties tendering, or persons duly authorised by them, must be in attendance at the time of meeting. The parties whose tender is accepted will be required to enter into a bond, with two sureties, for the due performance of the contracts, in a penalty not less than ten per cent upon the gross su m con t rac t e d fo r; an d th e names of the proposed sureties are to be specified in the tender. The Direc t srs will not bind themselves to accept the lowest tender. JAMES WOOD Chairman. Manchester and Leeds Railway Office, 9, Brown street, Manchester, 19th April, 1838. N ATIONAL COGNAC BRANDY DIS TILLERY COMPANY. Capital 250,000/., in 10,000 Shares of 251. each. Deposit 5/. The Directors beg to call the attention of the Public to the fol lowing Certificates, which they have been induced to procure for the satisfaction of the Shareholders and the Public, and to sanction their own confident recommendation of their BRANDY. Such undoubted and unbiassed opinions, given by the eminent Gentlemen whose Certificates have been obtained, cannot fail to do away with all undue influence which has been, and is still likely to he used, t opre j udice and detract from the character of t h e BRANDY now ready f or d e li very. The , Director s vouc h th a t th e C er tificates have been given, not. from Samples fu rn i s h e d t o , b u t from quantities taken from the Store Vats b y the arties themselves,— in surin g the .Public f rom any thing like deception, and the a rticle from false character. The p r i ce of the BRANDY, o f t h e hi g h es t legal strength, either Pale o r B rown, is 18s. per Gallon, for cas h on deliver y , in quan tities of n o t l ess than Two Ga ll ons . A liberal Discount to the Trade. HENRY STOKES, Manager. No. 22, ST. JAMES'S-STREET. Valuable STOCK of Mr. LEWIS, SILVERSMITH and JEWELLER ; also, the LEASE of the valuable Premises. !)EBENHAM and STORK. respectfully an nounce that they have received instructions from Mr. Lewis, Silversmith and Jeweller to the Royal Family, retiring from business, to SELL by AUCTION, at Mr. Bromley's Pic ture Gallery, 26, St. James's-street, 6n WEnNEsnay, June 6, and following clays at Twelve, The First Portion of his unique and costly STOCK. It will demand the att en ti on o f th e N o bilit y an d G en t r y, as we ll as th e chief club houses, first-rate hotels, and others; the leading articles are designed with fine taste and good judgment, and in the manu facture neither cost nor attention have been regarded, to render them suitable embellishments for the sideboards and tables of the distinguished personages who have for so many years honoured him with their patronage and support. In ancient and modern plate there are several thousand ounces ; including two most magnifi cent and costly centre pieces, supported by figures, executed in the best style of art, chased corner dishes and covers, casseroles, a splendidly chased breakfast service, ice pails, candelabra, candle sticks, salvers, waiters, tea sets, coffee pots, tankards, cups, jugs, mugs, dessert and table knives and forks , Src. , a dessert service of silver gilt, richly chased. A very extensive assortment of SHEFFIELD PLATE, of the latest fashion and best manufacture, with massive silver mountings and ornaments, comprising a complete table service of dishes and covers, several venison and table dishes and covers, sets of corner dishes, soup and sauce tureens , splendid candelabra, wine coolers, oblong and circular salvers and waiters, tea-urns, tea kettles, tea sets, coffee pots, and every requisite for the enrichment of the side board, breakfast and dinner table. A magnificent gilt table equi page, consisting of a most elaborate centre piece, supported by female figures, a pair of vases, and three splendid plateaux, with plate glass bottoms, glass shades, and tortoiseshell stands, or-molu and gilt ice-pails, candelabra, ewers, &c. ; a noble bronze statue of Milo rending the Oak, a grand wine cooler or cistern, several bronze vases, ewers, &C. French clocks, fine old Sevre and Dres den china, and also the beautifully designed drawings, models, and casts of the splendid plate executed for his late Royal Highness the Duke of York, and other eminent pe rsonages ; a f ew l o t s o f jewel lery, and the usual implements. May be viewed on the Saturday, Monday, and Tuesday prior to the mornings of sale: and catalogues (price Is.) may be had upon the Premises ; and of the Auctioneers, King-street, Covent garden, 18, King-street, Snow-hill. By W. T. BRANDE, Esq., F.R.S. Professor of Chemistry to the Royal Institution, &c &c. " I have examined a sample of Brandy manufactured by the Nationa Cognac Brandy Distillery C o mpany, and find it perfectly free fr om a l delet e r ious ingredients. " Royal I nst i tution, London, Brandy Distill ery " I have su b mitted the Brandy wh i c h contain a " -Hay 19, 1838. COOPER, Esq. I obtained of the National Cogn ac Lecturer on Chemistry and Forensic Medicine in the Webb-street Me. t li c al School, &c. &c. approaching French Brandy i n Company to examinat ion, and find it to be free from any acid or astr i ngent matter, as also f r om any deleterious ingredient —t o flavour. very pure spirit—and closely " 82, Blackfriars-road, May 24, 18.19. By THOMAS GRAHAM, Esq., F.R.S. Professor of Chemistry, .U n iversity College, gm & c . " The B ran d y produced by the National Cognac Brandy Distillery Com. patty, I find, from a chemical examination of it, to be a remarkably pure spirit, free from any noxious ingredient, and closely resembling good French Brandy in its sensible qualities. i. University College, "THOMAS GRAHAM." " May 17, 1838. ~ <r M. THOS. BRANDE." JOHN THOMAS COOPER." By GEORGE DIXON LONGSTAFF, Esq., M.D. T , ecturer on Chemistry, Mate] is Medica, and Pharmacy ; formerly Di rector of the Laboratory of the University of Edinburgh, &c. I have su bj ected the Brandy manufacture d by the Nati ona l C ognac Brandy Distillery Company to a careful chemical exa m in at i o n. I find it to be a very pure spirit, entirely free from any deleterious matter. I have lso tried it as a therapeutical agent, and I have no hesitation in pro nouncing it to be in this respect equal to`any Foreign Spirit with which 1 am. acquainted. " Midgefield " GEO. D. LONGSTAFF, M.D." Wandsworth, May W, 1839. HEL A N ANIMAL MAGNETISM. The Number for MAY 26 contains : A most exact and preciSe'description of the Extra Ordinary Expe riments with Animal Mag - netism, performed ty Dr. Elliotsen on the 141 h of May, at University •College Hospital, before the Mar quis 4. Anglesey, the Duke of lloxhurgh, Lord Burlington, Lord WiltieLord Dinorbcn. and Dr. Faraday. Office; Essex -street, Strand. k& lON TO AIR. GLEIG'S " CHELSEA PEN SIGNERS." Tuesday next, Jun'e Ci, in 3 vols. post Bvo., CE GREENWICH PENSIONERS. By LIEUTENANT HATCHWAY, R.N. 16nry Colburn, Publisher, 1:3, Great Marlborough -street. '"lo he had of all Booksellers. • ak _- 'lll E itiEW NOVEL. • ~.:-. . Just ready, in 3 vols. post Bvo. _ THE GLANVILLE F .LILY. A NOVEL. By a LADY of HANK. Henry Colburn, Publisher, 13, Great Marlborough -street. "„''' Orders received by all Booksellers. NEW NAVAL NOVEL by the AUTHOR, of " RATTLIN THE REEFER." Now ready, in 3 vols. post Bvo., 0 UAR D B 0 IT -N D ; Or, A MERCHANT'S ADVENTURES. By the Author of '' Rattlin the Reefer," &c. " This is by far the best written and most interesting of the novels this author has produced. It is replete with graphic deserir tion and well-portrayed character, and is highly exciting as a ta'e of the sea."—Courier. Henry Colburn, Publisher, 13, Great Marlborough-street. Just ready, in h vols. Bvo., with Illustrations, TRAVELS IN • THE WESTERN CAUCASUS, IN 1838-7. Including a TOUR through IMERETIA, MINGRELTA, TURKEY, MOLDAVIA, GALLICIA, SILESIA, and MORAVIA. By EDMUND SPENCER, Esq. Author of " Travels in Circassia," &c. llenry Colburn, Publisher, 13, Great Marlborough -street. MR. COOPER'S NEW . STORY OF THE SEA. In 3 Volumes post Bvo., HOMEWARD BOUND ; OR, THE CHASE. By J. FENIMORE COOPER, Esq. Author of " The Pilot," " Rea Rover," " Water W'iteh," IS NOW READY,. Richard Iseniley, New lluilingtOn-Arlet. ,* To be had of all Booksellers and at all thelibraries. l'he .1 UNE NUMBER, price Half-a-Crown, embellished «' Illustrations by GEORGE CRUIKSHANK, of BENTLEY'S lIIISCELLAN Contains, among other interesting Articles, GIUFFONE ; a Tale of the Peninsula. By COLONEL NAPIER, Author of " The iliqory of Peninsular 'War." NEW CHAPTERS OF OLIVER TWIST, By the EDITOR, CHARLES DICKENS, ESQ. (" BOZ.") With an Illustration by George Cruikshank. The Benedict Club, by Liout. The Burial at Sea—Sling the Johns. Monkey—The Pirate Craft— Love, Hope, and Joy. by " The Old Sailor," with The Legend of Walter Childe. an Illustration by Geo. Cruik- A Plain Case, by Miss Sheridan. shank. The Windsor Ball of the Latest The Widow Cured ; or More Fashion, by W. Jerdan. than the Doctor at Fault. Mr. Buggins, by " Vaslyn." A Gleans of the Past. -- The Bibliophilist, by T. Raikes. The Professor of Toledo, by The Queen of Spring. " Delta." A Chapter on Clowns, and such Darkness. like Comicalities, by W. J. ;Old Mountain Dew, by Ch ar l es Thorns. Mackay. :c. &c. ew Burlington-street. xl of all Booksellers. ripHE ASIATIC JOURNAL for June eon tains a large portion of Miscellaneous Intelligence from the British Presidencies in India, Native India, Ultra-G ange ti c I n di a , China, Australasia, &c. ; and the following amongst other Original Articles :—Review of Eastern News, No. Vl.—Steam Communi cation with India—Sir James Carnac and the Court of Directors-- Chinese Literature—Voyage up the Red Sea, No. ll.—On the Zend Language—The Plague Ship—Scenes in Cutch—Appeals from Mofussil Courts—Selections and Reflections, No. V.—The New Penal Code of British India—Poetry—Critical Notices—Pro. ceedings of Societies—Literary Intelligence, &c. &c. Wm. H. Allen and Co., 7, Leadenhall-street. Dedicated by express permission to tthe Queen Dowager. THE FIRST AUTHENTIC PORTRAIT OF THE QUEEN. _ Drawn by command, by R. J. Lane, R.A., ex p ress l y f or F INDEN'S FEMALE PORTRAITS of the COURT of QUEEN VICTORIA. The First Number of this Work, published this day, contains in addition to her Majesty's Portrait— The Countess of HILLSBOROUGH. Lady LOUISA CAVENDISH. This work will be published regularly upon every alternate month, containing three beautiful engravings. Price—Large folio on India paper, 1/. Is. Folio proofs upon plain paper, 18s. Prints, small folio, 12s. London :—Published by the Proprietors, at Nos. 18 and 19, Southampton-place, Euston-square ; sold also by Ackermann, and Co., 96, Strand ; ames Fraser, 215, Regent-street.; and by every respectable Bookseller in the Kingdom. MAPS. EW MAP of the WORLD, on Mercator's 111 Projectior, containing the latest Discoveries. One large sheel, 3 feet 2 inches by 2 feet 2 i fiches. In sheets, 10s. 6d. ; in a case, 16s. ; on rollers, varnished, IL Is. - _ _ _ EUROPE, General Map of, drawn from the latest documents. Six sheets, 5 feet 3 inches wide by 5 felt 6 inches high. U. 12s. in sheets ; in case, 2/. 12s. 6d. ; on rollers, varnished, 31. 13s. 6d. NORTH AMERICA, New Map of, exhibiting the recent dis coveries, geographical and nautical, describing the boundary lines between the territories of Great Britain, the United States, and the Mexican and Central States. Seven sheets, 6 feet 1 inch high by 5 feet 10 inches wide. 11. 16s. in sheets; in case, 2/. 12s. ; on rollers, varnished, 31. 13s. 6d. AFRICA, General Map of, a new edition, showing the recent discoveries. One sheet. Six sheets, 1/. 12s. ; in case, 2/. 12s. ; on rollers, 3/. 13s. 6d. SOUTH AMERICA, New Edition, with extensive corrections and additions, showing the New States. Eight sheets, 8 feet 2 inches high by, 5 feet 10 inches wide, 3/. 12s. ; in case, 5/. 12s. ; on rollers, varnished, 6/. 16s. 6d. Published by James Wyld, Geographer to the Queen, Charing cross East (four doors from Trafalgar-square), and 210, Regent street, London. AWORD or TWO of FRIENDLY EXPOS TULATION on the USE of the TERM TRINITY in PROTESTANT FORMULARIES. By a MEMBER of the CHURCH of ENGLAND. " Can a man enter the second time into his mother's womb, and be born ?"—(Nicodemus.) Some of the more dispassionate, as well as highly in telligent " Masters in Israel," with their Elves the Jewish multi tude, contended that Jesus could not call God his Father after the manner in which he had just then so called him, without making himself equal to God. With all due respect probably for the temper and penetration of his accusers, the Sen of God ventured to thi nk• otherw►se ; and there really does seem something very plausible at least in his argument. G. Fain - don, May's-buildirgs, St. Martin's -;awe. Just published, price 3s. CAN STRICTURES of the URETHRA, however protracted, be SPEEDILY and PERMA NENTLY CURED? Answered in a PRACTICAL TREA. TISE on that Disease, wherein is recommended an improved method of treatment, its of being illustrated by numerous highly interesting and important cases, in some of which Strictures of from thirty to forty years' duration have been totally removed in a few week:, and its superiority thereby fully established over every other mode of treatment hitherto adopted. By C. R. COURTENAY, M.D ., 42, Great Marlborough- s t reet. Sold by J. Hill , Medical Boo kseller, 55, Great Windmill-street, Havmarket ; Simpkin and Marshall, Stationers-court; thiwhyn, Caiberine-street, Strand ; Templeman, Regent-street; pell, 9, Cornhill ; and all Booksellers in Town or Country. —.Lye classes. 13 e. ' 4 "9fLigiieL.,proppse to offer provision in sickness and old !ge, but th e i r construetio n will be found linpurfeet, and their plan t he least profitable application of the means of economy. 1 . Because sickness itself is not a calamity of equal probable duration to the fluctuations in the quantity of employment and other casualties, and misfortune, against which they offer no protectiim. 4 11 ,.• `. Because, out of a given means, the sum laid aside for sickness must diminish the zov,i3ion for !ld age. 'Beause'inah - Y I ninst•centribute to the sick fund who never become chkrgeiblp,unort it, and the value of such contriba- - lions is InstlO • th'eni , ielve . .4 and fnmilies. 4 • iieeituse sicknes, beir.,,,; a state of non-proditetiveness, insist necessarily be included in any protection against such an uc- currence. IV. : Various observations have 'hem made on the duration of sickness, amongst the industrious c lasse s , f rom an early period of lmtil its c l ose . Those most in use are,—the sickness amongst the benifit Societies in Scotland, given by the Highland Society;—the sickness amongst the labourers in the East India Company's Ser- vice ;—the sickness amongst persons employed in Cotton, Silk, Wool, Fla x , and in the Potteries, by the Factory Commissioners ; —and the sickness amongst the English Benefit Societies, from re- turns made to the Society for the Diffusion of Useful Knowledge. These results, though varied, show how inconsineraDie is toe amount of sickness during that period of life, between the ages of 20 and 65, when each individual is more immediately thrown on his own resources ;—they are as follows VI UAL, VI tu, ont I The principal advantages are, superior strength, elasticity, and economy; thirty-five per cent„ at the least, being saved ,11 vessels with circular bottoms, and upwards of ten per cent. tiv , se with flat bottoms, beyond the usual profits. To blend economy and simialieity with utility has been the object med at in these improvements. A considerable saving in the tantity and value of the material used—the production of a more loyant and more strongly constructed vessel, carrying a greater mien with a s maller draught of water, and with less danger of image by collision, or of swamping (in open vessels), than those tilt on the common mode—are new and most important features, ~00;,,1iv 4, the construction of River ani Canal Craft. _ 35 ; 10 19 _7 3 . 6 10 4 11 37 9 11 0 38 I 817 9 39 1 8 5 1. 4 - 0 I 7] 3 1 7 1 8 42 6 10 10 43 6 0 6 44 1 51 0 7 _ _ 5 1 3 EXANITI.E. —A person, aged 25, by the payment of 2/. 12;. per annum, will secure, on attaining the age of GO, the option AGE. Annuity. , 1 Cash. P o li c y. 1 X s. d. £ s. d. £ s. d. 20 16 16 6 190 11 0 269 15 0 21 15 17 5 179 0 254 10 0 122 14 19 3 169 - 239 )8 0 23 14 1 11 159 13 0 226 0 0 24 13 5 4 150 6 0 212 15 0 25 12 9 7 141 6 0 200 1 0 26 11 14 6 132 16 0 188 0 0 27 f H 0 1 124 13 0 176 9 0 28 JO 6 5 116 18 0 165 10 0 29 9 13 4 109 10 0 155 0 0 30 9 0 11 102 8 0 145 0 0 31 8 9 0 95 14 0 135 10 0 32 7 17 8 89 6 0 126 8 0 33 7 6 11 83 3 0 117 15 0 34 6 16 7 _ 77 7 0 199 10 0 35 6 6 9 , k-71 16 0 101 13 0 36 5 17 5 66 10 0 94 3 0 37 5 8 6 61 9 0 87 0 0 38 5 0 0 56 13 0 80 4 0 39 4 12 0 52 2 0 73 15 0 40 4 4 3 47 14 0 67 11 0 EXAMPLE.—A person, aged 25, by the payment of 21.125. per annum, will secure, on attaining the age of 55, the option of an annuity of 12/. 9s. 7d., cash down 141/. Gs., or a policy on his life for 2001. Is. 11. PREMIUMS. ity X To secure, on attaining the Cash Annu 10 0 0 , , 113 5 0 Age of 55, the option of Policy, l6O 6 6